We often display exclusive products and offers on our site due to the partnerships that we have developed with lenders and loan and mortgage intermediaries. There are some instances that such offers are not available elsewhere, therefore by applying directly you may not receive these.
Although you are welcome to apply for a credit product direct with the lender, the other benefit of using our service is that we can provide customers with an indication of how likely they are to be accepted.
Each time you apply for a credit product, a search is carried out on your Credit Report. Whilst this does not indicate to lenders whether you were accepted or declined, if there are multiple searches when a lender reviews your application they may be less likely to provide you with credit. This is because multiple searches within a short space of time suggest to lenders that you are in desperate need of credit. It is therefore suggested you wait 6 months between each application.
By signing up for your free Credit Report and viewing your Borrowing Power, we can provide you with an indication of which products you are more likely to be accepted for; helping to reduce this risk of being rejected.